Rules first, then proof
The jurisdiction sets the rules. Every action is checked against them before it happens, and leaves proof that anyone it allows can check.
One product, three layers, designed and built by SettleVIA.
- 1 · Reach
brings people in
Anyone with a phone becomes a merchant, under a telco or operator's own brand.
- 2 · Rules
VETO
decides
Checks every payment against the state's signed rules before it moves, and signs a proof that's free to verify.
- 3 · Routes
Threads
routes
Sends it on any rail, so no single bank, telco or platform can cut a country off.
Built to work as one
Reach, Rules and Routes are the three layers and integration surfaces of one product, so a single proof covers the whole payment: who paid, what was decided and what happened.
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Reach: the way in
A thin access layer that turns anyone with a phone into a merchant. Vendors, tailors and craftspeople get a storefront and get paid, through a licensed provider they already use.
Banks, payment providers and telcos run it under their own brand, or build its features into the apps their customers already have. The licensed provider holds the money and the customer, every time.
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VETO
Rules: the decision
VETO holds each jurisdiction's rules as a map of obligations: every rule, the authority behind it and the evidence it needs. It checks each payment against that map before anything moves. If every required rule is met, it signs the decision. If not, it blocks the payment and names the rule. No AI model decides: for the same facts at the same time, the answer is always the same.
It reads evidence others already produce: a certifier confirming an AI agent, a payee network confirming the recipient, a telecom network confirming that a phone's SIM has not just been swapped. The signed proof names each rule checked and each source consulted, and anyone the jurisdiction allows can check it offline with a free verifier, without asking us. Its format is an open specification, where it's called a Decision Artefact.
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Threads
Routes: any rail
It sends the approved payment through licensed providers to one recorded outcome: completed, or reversed, never left half-done without a trace. It joins rails that share no common trust model: bank transfers, mobile money, instant payments, central bank digital currency and tokenized assets. No single bank, telco or platform can cut a country off, and whatever is moving, the same check and the same proof apply.
Twelve parties check every payment. One proof serves them all.
- GovernThe authority's rules
- OrchestrateThe institutions' custody
- ProveOur integrity
- ReduceThe compliance premium
Who answers, and what happens when something goes wrong
We never hold the money
SettleVIA is never a party to a payment and never holds funds. Banks, operators and providers keep their roles, their customers and their business models. It sits alongside the systems a jurisdiction already runs, and with no stake in any decision, its proof can be trusted by everyone involved.
If a required check can't run, nothing moves
A blocked action has no override. Only a change to the rules alters it, and rule changes come from the authority. It decides in advance which checks each use requires, including for disaster relief, and can suspend any use at any time. Sanctions matches always block.
When something goes wrong, everyone sees why
Every decision is deterministic and recorded, so everyone in the transaction sees what failed, where and why, from the same record. The person is told where to get help. If a decision is wrong, the authority reviews it, and the licensed institution answers to its customer.
€22.5 billion a year. The combined operational losses of the 79 banks that share loss data with ORX, averaged over five years. Their losses from technology failures tripled in a single year, to €1.4 billion. ORX, 2026
Built for others to plug into
VETO decides. The signals that inform each decision come from providers who already do that work well. Each one connects to the map of obligations as evidence, and their business stays theirs.
Agent identity and certification
Identity providers and certifiers confirm who an agent is, who it acts for and that its certificate is current. VETO reads that as evidence for every rule that asks for it, on every payment the agent makes.
Governance, risk and compliance platforms
GRC platforms hold an institution's policies, controls and risk ratings. They can feed those into VETO as signals, and take back a signed record of every decision for their own monitoring, reporting and audit.
Screening, fraud and network signals
Sanctions screening, fraud scores, payee checks and telecom signals such as a recent SIM swap each answer one question. VETO maps each answer to the rules that need it, so one signal counts for every authority in the payment.
The referee, with no side in the game
Every party to a payment plays to win, as it should: a card scheme for its network, a bank for its customers, a platform for its merchants. Each one's business model is built on its side, so refereeing would mean giving that up. SettleVIA's model doesn't depend on any side winning. It never holds the money and doesn't sell identity, screening, scoring or compliance software, so every party can trust the call, and none of them has to make it.